10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free NH-PC questions are organized by exam domain, so you can see how each part of the New Hampshire Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
In a New Hampshire agency, an unlicensed receptionist receives a fixed amount for each person she refers to a licensed producer. She provides only the producer's name and telephone number, discusses no policy terms, and is paid whether or not insurance is purchased. This arrangement is:
Correct answer: D - Permissible as a limited, noncontingent referral without policy discussion
Because a consumer report influenced an insurer's decision to increase an applicant's homeowners premium, the Fair Credit Reporting Act adverse-action notice must include:
Correct answer: C - The agency's contact information, its nondecision role, and the consumer's 60-day free-report and dispute rights
For several years, an insurer has supplied a producer with signed binders, listed her publicly as authorized to bind homeowners risks, and routinely accepted the business she bound. She then exceeds an undisclosed binding limit in the agency agreement for a customer who has no reason to know of the restriction. The strongest basis for treating the binder as effective is:
Correct answer: A - Apparent authority created by the insurer's conduct
Following a negligence trial in New Hampshire, total compensatory damages are set at $240,000. The claimant is 35% at fault, and the defendants are 65% at fault in the aggregate. Under New Hampshire's comparative-fault rule, the claimant's recoverable amount is:
Correct answer: C - $156,000, after reducing the award by the claimant's 35% fault
When explaining an unendorsed DP-3, a producer is asked how the policy treats the described dwelling, a detached garage, and household contents. The producer should explain that:
Correct answer: B - The dwelling and detached garage use an open-peril basis, while contents remain broad named-peril
Under the condominium association's documents, a unit owner is responsible for interior walls, built-in cabinets, flooring, and improvements inside the unit. The owner also needs personal property, loss-of-use, and personal liability coverage. The appropriate homeowners form is:
Correct answer: C - HO-6 Unit-Owners Form
At dusk, an insured strikes a deer. The impact cracks the radiator, and coolant is leaking; no other vehicle is involved. Under a standard Personal Auto Policy, the correct coverage-and-response pairing is:
Correct answer: C - Other Than Collision; arrange reasonable protection or towing and notify the insurer promptly
During a company errand, an employee causes an accident while driving her own car. The corporation's Business Auto Policy shows Symbol 9 for liability. Coverage for the accident is best described as:
Correct answer: C - Symbol 9 can cover the corporation's vicarious liability, but not the employee's own liability unless insured status is added
The morning after a covered fire closes a retailer's premises, the business rents temporary space so it can keep serving customers. Under standard commercial property coverage, the immediate temporary-location cost and the lost income are treated as follows:
Correct answer: A - Extra Expense can begin immediately; Business Income has the common 72-hour waiting period
The following dates apply to a claims-made Commercial General Liability policy: policy period January 1 through December 31, 2026; retroactive date January 1, 2024; bodily injury beginning in October 2023; and claim first made in July 2026. No prior-acts endorsement changes the terms. Coverage is:
Correct answer: D - Unavailable because the bodily injury began before the retroactive date
The NH-PC exam also covers these domains. Drill them in the full free practice test:
The full bank has 1,020 more NH-PC questions with explanations.
Continue in the free practice test →
View plans